Getting First Time Car Insurance Quotes

Understanding the Basics of Car Insurance

If you’ve recently bought a car, you’ll likely need to purchase car insurance for the first time. Car insurance is an important tool that helps protect you and your family from potential financial losses related to a car accident. It can also protect you from liability for damages to other people’s property or injuries you might cause. Before you start getting first time car insurance quotes, it’s important to understand the basics of car insurance.

What is Covered by Car Insurance?

Car insurance usually covers two primary things: property damage and bodily injury. Property damage coverage pays for repairs to another person’s vehicle or property (fences, houses, etc.) if you are found at fault in an accident. Bodily injury coverage pays for medical expenses and lost wages for other people involved in the accident if you are found at fault. It may also cover legal fees if you are sued as a result of an accident.

Types of Car Insurance

Most states require that drivers have a minimum amount of liability insurance to cover property damage and bodily injury. However, you may want to purchase additional coverage such as collision and comprehensive coverage, uninsured and underinsured motorist protection, and medical payments coverage. Collision and comprehensive coverage pays for damage to your own car if it is damaged in an accident or by something other than an accident (fire, theft, vandalism, etc.). Uninsured and underinsured motorist protection pays for your medical expenses, lost wages, and other damages if you are in an accident and the other driver is at fault but does not have enough insurance to cover the damages. Medical payments coverage pays for medical expenses, regardless of fault, if you or the passengers in your car are injured in an accident.

Where to Get First Time Car Insurance Quotes

Once you understand the basics of car insurance and the types of coverage that are available, you can start getting first time car insurance quotes. You can get quotes from different insurance companies by calling them or going online and visiting their website. You can also contact an insurance agent who can provide you with quotes from multiple insurance companies. When getting quotes, be sure to compare the same types of coverage and deductibles so you can get an accurate comparison.

How to Save Money on Car Insurance

In addition to getting first time car insurance quotes, there are several ways to save money on car insurance. You can save money by raising your deductible, bundling your policies, taking a defensive driving course, and maintaining a good driving record. Raising your deductible is one of the easiest and quickest ways to save money on your car insurance. Bundling your policies, such as your car insurance and homeowners insurance, can also help you save money. Taking a defensive driving course can also help you save money, as many insurance companies offer discounts to drivers who have completed a defensive driving course. Finally, maintaining a good driving record can help you save money, as insurance companies often offer lower rates to drivers with a clean driving record.